[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/co-je-to-kontokorent-2\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/co-je-to-kontokorent-2\/","headline":"Co je to kontokorent?","name":"Co je to kontokorent?","description":"S&nbsp;n\u00e1zvem kontokorent se m\u016f\u017eete setkat kdykoliv v&nbsp;b\u011b\u017en\u00e9m \u017eivot\u011b. Mnoho z&nbsp;n\u00e1s dokonce tuto slu\u017ebu vyu\u017e\u00edv\u00e1, ani\u017e bychom zrovna v\u011bd\u011bli, \u017ee se takto naz\u00fdv\u00e1. Kontokorent si v\u011bt\u0161inou z\u0159izujeme s&nbsp;b\u011b\u017en\u00fdm \u00fa\u010dtem, jedn\u00e1 se o jakousi slu\u017ebu nebo mo\u017enost, j\u00edt na \u00fa\u010dtu do m\u00ednusu. Bez b\u011b\u017en\u00e9ho \u00fa\u010dtu si v&nbsp;dne\u0161n\u00ed dob\u011b neum\u00edme \u017eivot ani p\u0159edstavit, pot\u0159ebuje ho z\u0159ejm\u011b ka\u017ed\u00fd z&nbsp;n\u00e1s. &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/co-je-to-kontokorent-2\/\"> <span class=\"screen-reader-text\">Co je to kontokorent?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-17","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.zerba.cz\/co-je-to-kontokorent-2\/","about":["P\u016fj\u010dky"],"wordCount":462,"articleBody":"S&nbsp;n\u00e1zvem kontokorent se m\u016f\u017eete setkat kdykoliv v&nbsp;b\u011b\u017en\u00e9m \u017eivot\u011b. Mnoho z&nbsp;n\u00e1s dokonce tuto slu\u017ebu vyu\u017e\u00edv\u00e1, ani\u017e bychom zrovna v\u011bd\u011bli, \u017ee se takto naz\u00fdv\u00e1. Kontokorent si v\u011bt\u0161inou z\u0159izujeme s&nbsp;b\u011b\u017en\u00fdm \u00fa\u010dtem, jedn\u00e1 se o jakousi slu\u017ebu nebo mo\u017enost, j\u00edt na \u00fa\u010dtu do m\u00ednusu. Bez b\u011b\u017en\u00e9ho \u00fa\u010dtu si v&nbsp;dne\u0161n\u00ed dob\u011b neum\u00edme \u017eivot ani p\u0159edstavit, pot\u0159ebuje ho z\u0159ejm\u011b ka\u017ed\u00fd z&nbsp;n\u00e1s. Na \u00fa\u010det v\u011bt\u0161in\u011b obyvatel chod\u00ed ka\u017ed\u00fd m\u011bs\u00edc v\u00fdplata a odch\u00e1z\u00ed b\u011b\u017en\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a \u010d\u00e1stky, se kter\u00fdmi plat\u00edme v\u00fddaje na bydlen\u00ed, SIPO, p\u016fj\u010dky, poji\u0161t\u011bn\u00ed, pau\u0161\u00e1ly a dal\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed platby. Je zde ale re\u00e1ln\u00e1 mo\u017enost, \u017ee se m\u016f\u017eeme dostat na sv\u00e9m \u00fa\u010dtu na nulu. Jestli\u017ee jsme na nule, a je\u0161t\u011b st\u00e1le pot\u0159ebujeme n\u011bjak\u00e9 platby prov\u00e9st, m\u016f\u017eeme vyu\u017e\u00edt pr\u00e1v\u011b p\u0159edem schv\u00e1len\u00e9ho a z\u0159\u00edzen\u00e9ho kontokorentu. Ten se z\u0159izuje nap\u0159\u00edklad na za\u010d\u00e1tku b\u011b\u017en\u00e9ho \u00fa\u010dtu nebo dodate\u010dn\u011b. Dop\u0159edu se schv\u00e1l\u00ed \u010d\u00e1stka a ostatn\u00ed podm\u00ednky jako doba splatnosti, do kdy m\u016f\u017eeme tuto kr\u00e1tkodobou p\u016fj\u010dku vyu\u017e\u00edt. V\u011bt\u0161inou se mus\u00ed splatit do jednoho roku. Jedn\u00e1 se tedy o to, \u017ee m\u016f\u017eeme j\u00edt na \u00fa\u010dtu do m\u00ednusu. Tuto situaci m\u016f\u017eeme ozna\u010dit za jakousi p\u016fj\u010dku. Pen\u00edze ale m\u016f\u017eeme splatit kdykoliv, a to, jakmile je vlo\u017e\u00edme na \u00fa\u010det a jsme op\u011bt v&nbsp;plusu, tedy m\u00e1me na bankovn\u00edm \u00fa\u010dtu kladn\u00fd z\u016fstatek v&nbsp;jak\u00e9koliv hodnot\u011b.\tNa \u00fa\u010dtu kdykoliv do m\u00ednusuNa \u00fa\u010dtu m\u016f\u017eete j\u00edt t\u00edmto zp\u016fsobem do m\u00ednusu kdykoliv, kdy\u017e pot\u0159ebujete. Tuto slu\u017ebu takt\u00e9\u017e m\u016f\u017eete vyu\u017e\u00edt i n\u011bkolikr\u00e1t za sebou, kdy\u017e se dostanete do plusu, m\u016f\u017eete j\u00edt zase do m\u00ednusu a op\u011bt znovu a znovu, lze ji tedy vyu\u017e\u00edvat opakovan\u011b. Co je je\u0161t\u011b d\u016fle\u017eit\u00e9? Co bychom d\u00e1le m\u011bli v\u011bd\u011bt? D\u016fle\u017eit\u00e9 je pohl\u00eddat si poplatky, kter\u00e9 s&nbsp;touto slu\u017ebou mohou souviset. Jeliko\u017e se m\u016f\u017ee jednat o jak\u00fdsi druh p\u016fj\u010dky, je pot\u0159eba pohl\u00eddat si \u00farokov\u00e9 sazby ale i ostatn\u00ed poplatky. Kde si mohu tuto slu\u017ebu z\u0159\u00eddit? B\u011b\u017en\u011b ji poskytuj\u00ed bankovn\u00ed instituce a k&nbsp;tomu se v&nbsp;dne\u0161n\u00ed dob\u011b p\u0159idala u\u017e i \u0159ada dal\u0161\u00edch, nebankovn\u00edch spole\u010dnost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to kontokorent?","item":"https:\/\/www.zerba.cz\/co-je-to-kontokorent-2\/#breadcrumbitem"}]}]